After China's entry into WTO, there is no interest on installment repayment, and the monthly handling fee rate is 0.70% for the third installment and 0.60% for the sixth to twenty-fourth installment respectively. More than six installments seem the same, but in fact they are different. The monthly handling fee for the 24th installment is1= 3300× 0.60% =18.0 yuan. The total handling fee you need to pay is = 18.0×24=432.00 yuan, the monthly handling fee during 12 is =3000×0.60%= 18 yuan, and the total handling fee you need to pay is =18×1. But the bank won't let him idle with the money you returned to the bank. The bank can return the money you gave to others for use, so that it can charge others fees or interest. If the funds are tight, there is no need to divide it into 24 installments or even repay it at one time. We only use the interest-free period of bank credit cards (generally 28-56 days), and we don't have to pay any handling fees or interest.

Extended data:

1. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that it is not malicious. If the past record is good and the overdue time is short, it may not be recorded as a bad record if it is found that the repayment is good after the overdue. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

2. Some people don't use credit cards often. When the credit card is overdue, they plan to completely ignore the credit card and neither repay nor cancel it. In fact, this practice is very wrong. If you don't pay back the money all the time, you will be overdue once a month, which means you will be recorded with a bad credit record once a month. And if you don't pay back the money for months, you will be sued by the bank and sentenced to malicious arrears, your credit history will get worse and worse, the amount of arrears will get bigger and bigger, and in serious cases, you will be fined.

3. If the credit card is overdue, the credit card center of the issuing bank will collect it. Because of ignorance and blind arrogance, some people not only don't pay back the money, but also "run away" by changing their addresses and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help themselves. In fact, this practice is absolutely undesirable. When you apply for a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and owe money, and will call the police. The police will list you as a wanted man.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years.

If the card is used for termination, the corresponding record will not be scrolled, but it will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years and maintain a good credit during the period, so that the bad records can be deleted from the credit information system by rolling records.